Payment Solutions



Internet payment solutions are a key ingredient in any e-commerce activity. Com-Tec-CO/ CTXM have been providing Internet payment solutions since 1997. Our knowledge of i-payments is based on years of application development and operation of such systems for the leading Payment Solutions Providers (PSP) on the market. Our Second Generation (2G) platforms incorporate all lessons learned. These systems provide unmatched functionality, flexibility, scalability, availability and efficiency. Our Business Concept is to provide a complete transaction-based processing solution for e-merchants, PSPs and system integrators covering all the positions in the e-payments chain.

CTXM payment solutions address these main categories:

  • iPAY - merchant payment module
  • SVS - Stored Value System (electronic wallet)
  • PGS an acquirer e-commerce payment gateway.

Our payment solution supports the following services:

  • Web interface (SWI)
  • Secure integration Web Services:
    • SVS provides a secure payment page, which can be included into e-merchants sites.
    • 3D Secure (MPI) Merchant Plug-in (optional)-can be integrated to the gateway secure page or on the merchant site.
    • SVS secure agent (optional) – enhances communication protocol by additional verification steps, secure SSL communication server-to-server and one-time passwords.
  • Reporting service Transaction Processing Engine (PRE)
  • Fraud Detection Engine (FDE)
  • Billing
  • Reconciliations
  • Dispute Management
  • Back Office Reports

SVS (Stored Value System)

The core functionality of the stored value system is management of multi-level accounts. Accounts are configurable either as merchants’ or end-users’ accounts.

CTXM SVS system is a Service Oriented Architecture (SOA) platform where each service may be deployed on individual server (cluster) or jointly with other services.

  1. SVS Accounts Management (SAM) – provides the functionality of accounts management, including opening and closure of accounts, account details, payment methods and more. Merchants accounts Setup Wizard and accounts templates facilitate easy merchant accounts creation.
  2. SVS Admin interface (SAI) – provides operators and managers with the necessary functionality to control account activities and perform manual operations such as wire transfers.

PGS (Multi-Merchant Payment Gateway)

Multi-Merchant Payment Gateway provides PSP or mega-merchants the means of fully controlling their e-payments. PGS entities include merchants, sub-merchants, merchants groups, customers and their payments processed via.

The main tasks of Merchant PG Operator Interface are:

  1. Customers management - (view customer data, customer blocking, customer deletion, view customer activities);
  2. Customer payments management (pending withdrawals, view payment data, process, reject withdrawal, view payment data);
  3. Payment gateway configuring (edit payment module, payment module blocking; adding a new payment limit, edit, delete payment limit; add a new payment block, edit, delete payment block);
  4. System parameters configuring (add a new language, edit, delete language; add a new currency, edit, delete currency; add a new country list, edit, delete country; view customer attribute).

iPAY Module (Single Merchant Payment Gateway)

iPAY is a stand-alone payment module and which may be easily integrated to e-merchants platforms.

iPAY provides a complete transaction based processing solution for money transfer between the financial institutions and Merchant site.

The system has a modular architecture providing high level of scalability, flexible configuration and effortless integration for new PSPs. This universal modular architecture ensures support of integration with any payment system.

iPAY has the following integration advantages:

  • To add one more payment method doesn't require any additional integration for merchant.
  • The payment web page obtain list of payment methods/modules, required parameters and basic validation from iPay system.
  • Processing flow is controlled by payment gateway and payment module.
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